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Credit Repairs The credit repair organizations act is a federal law that became effective on April 1, 1997 in response to a number of consumers who had suffered from credit repair scams. In effect, the law ensures that credit repair service companies:

Smart, informed borrowers can use the equity in their home to fund renovation projects or consolidate debt at a lower rate than you. that can also give you an approximate value. Your loan amount,

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Debt settlement companies, also sometimes called "debt relief" or "debt adjusting " companies, often claim they can negotiate with your creditors.

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Student loan refinancing allows you to consolidate. loan debt. If you have credit card debt, mortgage debt or auto debt, lenders will sum all your debt payments together to understand your total.

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